| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $32 | $21K | 3.19% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | HM LIFE INSURANCE COMPANY | $59K | — | $59K | 9.83% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | VISION BENEFITS OF AMERICA | $1K | — | $1K | 3.00% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $32 | $12K | 41.62% |
| SEUBERT & ASSOCIATES, INC.3 Filed as: SEUBERT & ASSOCIATES | 225 NORTH SHORE DRIVE, SUITE 300 PITTSBURGH, PA 152125860 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $32 | $6K | 41.81% |
| COWDEN ASSOCIATES INC3 Filed as: COWDEN & GEORGE, INC. | FOUR GATEWAY CENTER, SUITE 605 PITTSBURGH, PA 15222 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $281 | — | $281 | 3.02% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 978 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 155 | $45K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,410 | $652K |
| Vision | VISION BENEFITS OF AMERICA | 489 | $39K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,410 | $661K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,410 | $652K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,410 | $652K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 611 | $596K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,410 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,410 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.